Medical Plan - Healthfund

Transcription

1 18 Medical Plan - Healthfund

2 Oklahoma City Community College Effective Date: Aetna HealthFund Open Choice (PPO) - Oklahoma PLAN DESIGN AND BENEFITS PROVIDED BY AETNA LIFE INSURANCE COMPANY - Insured FUND FEATURES HealthFund Amount $500 Employee $1,000 Family Amount contributed to the Fund by the employer Fund Coinsurance 100% Percentage at which the Fund will reimburse Fund Administration Employee Termination from Aetna Health- Fund Fund Rollover Eligible Fund Expenses Fund Payment/Assignment Pro-ration for New Employees Pro-ration for Family Status Change Prescription Drug Plan The Fund will be used to pay for your member responsibility, including your deductible and coinsurance. Once the deductible is met, the underlying medical plan provides coverage and if a Fund balance still exists, the Fund will pay your member responsibility (i.e. your share of coinsurance) until the Out of Pocket Maximum has been reached or the Fund has been exhausted, whichever comes first. Services covered at 100% with no deductible will be paid by the plan and not by the Fund. Any remaining HealthFund benefit amount is forfeited (or terminated) when the employee s Aetna HealthFund coverage terminates. Any remaining HealthFund benefit amount at end of plan year is rolled over into next years HealthFund benefit amount. Fund covers same expenses as the medical and if included, pharmacy plan. Expenses above the Reasonable & Customary limit, any plan limits, and any non covered expenses are not eligible for reimbursement under the Fund. Network Providers: Automatic Assignment to provider. Non-Network Providers: Member may assign payment to provider. Monthly No pro-ration. Change to new tier based on new employee status. Prescription Drug expenses are not integrated with the medical plan (i.e., not subject to Deductible and not applied towards Out-of-Pocket Limit) or with the Fund (i.e., not eligible for reimbursement from the Fund). PLAN FEATURES PREFERRED CARE NON-PREFERRED CARE Deductible (per plan year) $2,000 Employee $2,000 Employee $4,000 Family $4,000 Family All covered expenses excluding prescription drugs accumulate toward both the preferred and non-preferred Deductible. Unless otherwise indicated, the Deductible must be met prior to benefits being payable. Once Family Deductible is met, all family members will be considered as having met their Deductible for the remainder of the plan year. There is no Individual Deductible to satisfy within the Family Deductible. Member Coinsurance 20% 40% Applies to all expenses unless otherwise stated. Out-of-Pocket Limit (per plan year) $4,000 Individual $4,000 Individual $8,000 Family $8,000 Family All covered expenses including deductible but excluding prescription drugs accumulate toward both the preferred and non -preferred Out-of-Pocket Limit. Certain member cost sharing elements may not apply toward the Out-of-Pocket Limit. Only those out-of-pocket expenses resulting from the application of coinsurance percentage and deductibles, (except any penalty amounts) may be used to satisfy the Payment Limit. Once Family Out-of-Pocket Limit is met, all family members will be considered as having met their Out-of-Pocket Limit for the remainder of the plan year. There is no Individual Out-of-Pocket Limit to satisfy within the Family Out-of-Pocket Limit. Lifetime Maximum Unlimited except where otherwise indicated. Primary Care Physician Selection Not applicable Not applicable Certification Requirements - Certification for certain types of Non-Preferred care must be obtained to avoid a reduction in benefits paid for that care. Certification for Hospital Admissions, Treatment Facility Admissions, Convalescent Facility Admissions, Home Health Care, Hospice Care and Private Duty Nursing is required - excluded amount applied separately to each type of expense is $400 per occurrence. Referral Requirement None None 19

4 OTHER SERVICES PREFERRED CARE NON-PREFERRED CARE Convalescent Facility 20% 40% Limited to 120 days per plan year. The member cost sharing applies to all covered benefits incurring during a member's inpatient stay Home Health Care 20% 40% Limited to 60 visits per plan year. Each visit by a nurse or therapist is one visit. Each visit up to 4 hours by a home health care aide is one visit. Hospice Care - Inpatient 20% 40% Limited to 30 days per lifetime. Hospice Care - Outpatient 20% 40% Up to a maximum benefit of $5,000 The member cost sharing applies to all covered benefits incurred during a member's outpatient visit Private Duty Nursing - Outpatient (Limited 20% 40% to 70 eight hour shifts per plan year) Outpatient Short-Term Rehabilitation 20% 40% Includes speech, physical, and occupational therapy. Spinal Manipulation Therapy 20% 40% Durable Medical Equipment 20% 40% Maximum annual benefit of $10,000 per member per plan year Diabetic Supplies Covered same as any other medical expense. Covered same as any other medical expense. FAMILY PLANNING PREFERRED CARE NON-PREFERRED CARE Infertility Treatment Member cost sharing is based on the Member cost sharing is based on the Diagnosis and treatment of the underlying type of service performed and the type of service performed and the medical condition. place of service where it is rendered place of service where it is rendered Voluntary Sterilization Including tubal ligation and vasectomy Member cost sharing is based on the Member cost sharing is based on the type of service performed and the type of service performed and the place of service where it is rendered place of service where it is rendered PHARMACY PREFERRED CARE NON-PREFERRED CARE Retail $10 copay for generic drugs, $20 copay for formulary brand-name drugs, and $35 copay for nonformulary 40% of submitted cost after $10 copay for generic drugs, $20 copay for formulary brand-name drugs, and brand-name drugs up to a $35 copay for non-formulary brand- 30 day supply at participating pharmaciesname drugs up to a 30 day supply. Mail Order $20 copay for generic drugs, $40 copay for formulary brand-name drugs, and $70 copay for nonformulary brand-name drugs up to a day supply from Aetna Rx Home Delivery. Not applicable No Mandatory Generic (NO MG) - Member is responsible to pay the applicable copay only. Plan Includes: Contraceptive drugs and devices obtainable from a pharmacy, Oral fertility drugs, Diabetic supplies. GENERAL PROVISIONS Dependents Eligibility Spouse, children from birth to age 26 Pre-existing Conditions Rule On effective date: Full Postponement After effective date: Full Postponement 21

5 This plan imposes a pre-existing condition exclusion, which may be waived in some circumstances and may not be applicable to you. A pre-existing condition exclusion means that if you have a medical condition before coming to this plan, you may have to wait a certain period of time before the plan will provide coverage for that condition. This exclusion applies only to conditions for which medical advice, diagnosis, care, or treatment was recommended or received or for which the individual took prescribed drugs within 90 days. Generally, this period ends the day before your coverage becomes effective. However, if you were in a waiting period for coverage, 90 days ends on the day before the waiting period begins. The exclusion period, if applicable, may last up to 365 days from your first day of coverage, or, if you were in a waiting period, from the first day of your waiting period. If you had prior creditable coverage within 90 days immediately before the date you enrolled under this plan, then the pre-existing conditions exclusion in your plan, if any, will be waived. If you had no prior creditable coverage within the 90 days prior to your enrollment date (either because you had no prior coverage or because there was more than a 90 day gap from the date your prior coverage terminated to your enrollment date), we will apply your plan's pre-existing conditions exclusion. In order to reduce or possibly eliminate your exclusion period based on your creditable coverage, you should provide us a copy of any certificates of creditable coverage you have. Please contact Aetna Member Services at if you need assistance in obtaining a certificate of creditable coverage from your prior carrier or if you have any questions on the information noted above. The pre-existing condition exclusion does not apply to pregnancy nor to a child who is enrolled in the plan within 31 days of birth, adoption, or placement for adoption. Note: For late enrollees, coverage will be delayed until the plan's next open enrollment, and the pre-existing condition exclusion will be applied from the individual's effective date of coverage. Members may choose from a network of available providers (physicians and facilities) or may visit a nonparticipating provider. The nonparticipating provider will be paid based on Aetna's Recognized Charge (Aetna Market Fee Schedule (AMFS) and Aetna Facility Fee Schedule), which is the charge Aetna determines to be the usual charge level for the geographic area where it is furnished. The member may be balance billed for the difference between the nonparticipating provider's usual fee and the amount allowed by the plan, in addition to any coinsurance or co-payments due under the plan provisions. This plan does not cover all health care expenses and includes exclusions and limitations. Members should refer to their plan documents to determine which health care services are covered and to what extent. The following is a partial list of services and supplies that are generally not covered. However, your plan documents may contain exceptions to this list based on the state mandates or the plan design or rider(s) purchased by your employer. Ÿ All medical or hospital services not specifically covered in, or which are limited or excluded in the plan documents; Ÿ Charges related to any eye surgery mainly to correct refractive errors; Ÿ Cosmetic surgery, including breast reduction; Ÿ Custodial care; Ÿ Dental care and X-rays; Ÿ Donor egg retrieval Ÿ Experimental and investigational procedures; Ÿ Hearing aids; Ÿ Immunizations for travel or work; Ÿ Infertility services, including, but not limited to, artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI and other related services, unless specifically listed as covered in your plan documents; Ÿ Nonmedically necessary services or supplies; Ÿ Orthotics; Ÿ Over-the-counter medications and supplies; Ÿ Reversal of sterilization; Ÿ Services for the treatment of sexual dysfunction or inadequacies, including therapy, supplies, or counseling; Ÿ Special duty nursing. Ÿ Weight control services including surgical procedures, medical treatments, weight control/loss programs, dietary regimens and supplements, appetite suppressants and other medications; food or food supplements, exercise programs, exercise or other equipment; and other services and supplies that are primarily intended to control weight or treat obesity, including Morbid Obesity, or for the purpose of weight reduction, regardless of the existence of comorbid conditions. 22

6 General Benefit Provision Aetna Select - Aetna Choice POS II - Aetna Helthfund All medical or hospital services not specifically covered in, or which are limited or excluded in the plan documents; Charges related to any eye surgery mainly to correct refractive errors; Cosmetic surgery, including breast reduction; Custodial care; Dental care and X- rays; Donor egg retrieval; Experimental and investigational procedures; Hearing aids; Immunizations for travel or work; Infertility services, including, but not limited to, artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI and other related services, unless specifically listed as covered in your plan documents; Nonmedically necessary services or supplies; Orthotics; Over-the-counter medications and supplies; Reversal of sterilization; Services for the treatment of sexual dysfunction or inadequacies, including therapy, supplies, or counseling; and special duty nursing. Weight control services including surgical procedures, medical treatments, weight control/loss programs, dietary regimens and supplements, appetite suppressants and other medications; food or food supplements, exercise programs, exercise or other equipment; and other services and supplies that are primarily intended to control weight or treat obesity, including Morbid Obesity, or for the purpose of weight reduction, regardless of the existence of comorbid conditions. This material is for informational purposes only and is neither an offer of coverage nor medical advice. It contains only a partial, general description of plan benefits or programs and does not constitute a contract. Aetna does not provide health care services and, therefore, cannot guarantee results or outcomes. Consult the plan documents (i.e. Group Insurance Certificate and/or Group Policy) to determine governing contractual provisions, including procedures, exclusions and limitation relating to the plan. With the exception of Aetna Rx Home Delivery, all preferred providers and vendors are independent contractors in private practice and are neither employees nor agents of Aetna or its affiliates. Aetna Rx Home Delivery, LLC, is a subsidiary of Aetna Inc. The availability of any particular provider cannot be guaranteed, and provider network composition is subject to change without notice. Some benefits are subject to limitations or visit maximums. Certain services require precertification, or prior approval of coverage. Failure to precertify for these services may lead to substantially reduced benefits or denial of coverage. Some of the benefits requiring precertification may include, but are not limited to, inpatient hospital, inpatient mental health, inpatient skilled nursing, outpatient surgery, substance abuse (detoxification, inpatient and outpatient rehabilitation). When the Member s preferred provider is coordinating care, the preferred provider will obtain the precertification. When the member utilizes a non-preferred provider, Member must obtain the precertification. Precertification requirements may vary. Depending on the plan selected, new prescription drugs not yet reviewed by our medication review committee are either available under plans with an open formulary or excluded from coverage unless a medical exception is obtained under plans that use a closed formulary. They may also be subject to precertification or step-therapy. Non-prescription drugs and drugs in the Limitations and Exclusions section of the plan documents (received after open enrollment) are not covered, and medical exceptions are not available for them. While this information is believed to be accurate as of the print date, it is subject to change. Plans are administered by Aetna Life Insurance Company. 23

FUND FEATURES HealthFund Amount Individual Employee + 1 Family $750 $1,125 $1,500 Amount contributed to the Fund by the employer is reflected above. Fund Amount reflected is on a per calendar year basis.

PLAN FEATURES Deductible (per calendar year) $500 Individual $1,000 Family Unless otherwise indicated, the Deductible must be met prior to benefits being payable. Once Family Deductible is met, all family

FUND FEATURES HealthFund Amount Orthodox HealthPlan $750 Employee $1,500 Family Amount contributed to the Fund by the employer Fund amount reflected is on a per calendar year basis. The fund received may

FUND FEATURES HealthFund Amount $750 Employee $1,500 Family Amount contributed to the Fund by the employer Fund amount reflected is on a per calendar year basis, The fund received may be prorated based

OVERVIEW OF YOUR BENEFITS IMPORTANT PHONE NUMBERS Benefit Fund s Member Services Department (646) 473-9200 For answers to questions about your eligibility or prescription drug benefit. You can also visit

PLAN FEATURES Deductible (per calendar year) PLAN DESIGN & BENEFITS None Individual None Family The family Deductible is a cumulative Deductible for all family members. The family Deductible can be met

FUND FEATURES HealthFund Amount Miami Dade College $750 Employee $1,500 Family Amount contributed to the Fund by the employer Fund amount reflected is on a per calendar year basis. The fund received may

PLAN FEATURES Deductible (per calendar year) None Individual None Family The family Deductible is a cumulative Deductible for all family members. The family Deductible can be met by a combination of family

Medical plan options Small Business Solutions New York FOR BUSINESSES WITH 2 50 ELIGIBLE EMPLOYEES Health insurance plans are offered, underwritten or administered by Aetna Life Insurance Company. 14.02.929.1-NY

Sherwin-Williams Medical, Prescription Drug and Dental Plans Plan Comparison Charts You and Sherwin-Williams share the cost of certain benefits including medical and dental coverage and you have the opportunity

Eligibility Provision Employee Regular full-time employees of New York University participating in this plan working a minimum of 25 hours per week. Dependent Wife or husband; same or opposite sex domestic

Who is eligible to enroll in the Plan? All State of Michigan Employees who reside in the coverage area determined by zip code. All State of Michigan Employees who reside in the coverage area determined

WHO IS COVERED Requires both Medicare A & B enrollment. Type of Coverage Offered Single only Single only MEDICAL NECESSITY Pre-Certification Requirement None None Medical Benefit Management Program Not

An individual PPO health plan from Blue Cross Blue Shield of Michigan. You will have a broad choice of doctors and hospitals within Blue Cross Blue Shield of Michigan s unsurpassed statewide PPO network

DRAKE UNIVERSITY HEALTH PLAN Effective Date: 1/1/2015 This is a general description of coverage. It is not a statement of contract. Actual coverage is subject to terms and the conditions specified in the

2016 Plan Comparison For HealthFlex Exchange Participants This comparison highlights key differences and similarities between plans offered through HealthFlex Exchange in 2016. All plans use the same network

Employee Dependent PLAN FEATURES Group Insurance Plan of Benefits for Eligibility Provision Regular full time employees of The MITRE Corporation participating in this plan who reside outside the United

PPO Schedule of Payments (Maryland Small Group) National PPO 1000 The benefits outlined in this Schedule are in addition to the benefits offered under Coventry Health & Life Insurance Company Small Employer

MICHIGAN CATHOLIC CONFERENCE January 2015 Benefit Summary This is intended as an easy-to-read summary and provides only a general overview of your benefits. It is not a contract. Additional limitations

An Independent Member of the Blue Shield Association County of San Bernardino - Retiree Shield Signature High Option Benefit Summary (Uniform Health Plan Benefits and Coverage Matrix) Blue Shield of California

This is only a summary. Please read the FEHB Plan brochure RI 73-873 that contains the complete terms of this plan. All benefits are subject to the definitions, limitations, and exclusions set forth in

Delta College 007000338-0001, 0002, 0003, 0004, 0005, 0006, 0007 Community Blue SM PPO Medical Coverage Benefits-at-a-Glance This is intended as an easy-to-read summary and provides only a general overview